BONAMI
ActiveSummary
The computed 12-month bankruptcy probability of BONAMI is 2.2% (moderate). The 2025 annual accounts show equity of €281,700 and a net result of €273,196. Equity is growing by ~62.4% per year across the filed fiscal years. Its solvency ranks better than 59% of 4664 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency73▼-22
Growth78=
Track record100
Bankruptcy probability, 12 months
2.2%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €21,000 at 30 days acceptable
Liquidity ample (current ratio 3.32 against 2.66 in 2024; short-term debt: 23.3% and cash: 49.2% of total assets), but 52% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Land transport and transport via pipelines (NACE 49)
about 141% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
48%
Return on assets
46.6%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 18-12-2025, 133 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
133 d early
2024
34 d early
2023
40 d early
2022
38 d early
2021
1 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 5 accounts on average 49 days before the deadline; the sector median for financial year 2024 is on the deadline day, and 49% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
26-09-2026 today30-09-2026 close30-04-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit simulator What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file What other support did companies like this one receive, and it did not?Subsidy mirror How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
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Financials · fiscal year 2025, micro schema
Equity
€281,700▼ 50.4%
2024 · €568,505
Total assets
€586,868▼ 27.7%
2024 · €812,133
Net result
€273,196▲ 7.8%
2024 · €253,321
Working capital
€317,547▼ 21.3%
2024 · €403,354
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€8,299-€334,469▲ 3,930%€59,865▼ 82.1%€334,423▲ 459%€388,413▲ 16.1%
Net result€921-€260,151▲ 28,144%€49,111▼ 81.1%€253,321▲ 416%€273,196▲ 7.8%
Equity€5,921-€266,072▲ 4,394%€315,184▲ 18.5%€568,505▲ 80.4%€281,700▼ 50.4%
Total assets€511,306-€715,966▲ 40.0%€469,145▼ 34.5%€812,133▲ 73.1%€586,868▼ 27.7%
Debt€505,385-€449,894▼ 11.0%€153,961▼ 65.8%€243,628▲ 58.2%€305,168▲ 25.3%
Working capital-€224,087-€172,251€220,226▲ 27.9%€403,354▲ 83.2%€317,547▼ 21.3%
Staff (FTE)2-1▼ 50.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 16% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €586,868
Fixed assets
€132,319 ▼ 19.9%
Current assets
€454,549 ▼ 29.7%
Equity and liabilities €586,868
Equity
€281,700 ▼ 50.4%
Debt
€305,168 ▲ 25.3%
Debt's share of the balance-sheet total rises from 30.0% to 52.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€421,244▲
2024 · €364,230
Cash flow
€306,027▲
2024 · €283,128
Current ratio
3.32▲
2024 · 2.66
Quick ratio
2.45▲
2024 · 1.86
Debt to equity
1.08▲
2024 · 0.43
ROE
97.0%▲
2024 · 44.6%
ROA
46.6%▲
2024 · 31.2%
Interest coverage
32.35▼
2024 · 805.67
Debt ≤ 1 year
€137,002▼
2024 · €243,628
Debt > 1 year
€168,166
Income taxes
€102,492▲
2024 · €80,649
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Remuneration, social security and pensions62 | €5,590 | €2,651 | - | - | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €34,050 | €14,307 | €20,635 | €29,807 | €32,831 | ▲ 10.1% |
| Other operating charges640/8 | €3,434 | €6,682 | €9,236 | €12,986 | €16,543 | ▲ 27.4% |
| Gross operating margin9900 | €51,372 | €358,109 | €89,735 | €377,216 | €437,786 | ▲ 16.1% |
| Operating profit (loss)9901 | €8,299 | €334,469 | €59,865 | €334,423 | €388,413 | ▲ 16.1% |
| Financial income75/76B | €247 | €2,439 | €177 | - | €298 | - |
| Recurring financial income75 | €247 | €2,439 | €177 | - | €298 | - |
| Financial charges65/66B | €7,324 | €2,958 | €2,774 | €452 | €13,022 | ▲ 2,781% |
| Recurring financial charges65 | €7,324 | €2,958 | €2,774 | €452 | €13,022 | ▲ 2,781% |
| Profit (loss) for the period before taxes9903 | €1,221 | €333,950 | €57,268 | €333,971 | €375,688 | ▲ 12.5% |
| Income taxes67/77 | €300 | €73,799 | €8,156 | €80,649 | €102,492 | ▲ 27.1% |
| Profit (loss) for the period9904 | €921 | €260,151 | €49,111 | €253,321 | €273,196 | ▲ 7.8% |
| Profit (loss) for the period to be appropriated9905 | €921 | €260,151 | €49,111 | €253,321 | €273,196 | ▲ 7.8% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €511,306 | €715,966 | €469,145 | €812,133 | €586,868 | ▼ 27.7% |
| Fixed assets21/28 | €267,508 | €93,821 | €94,957 | €165,151 | €132,319 | ▼ 19.9% |
| Intangible fixed assets21 | €179,922 | €39,981 | €34,981 | €123,177 | €108,177 | ▼ 12.2% |
| Tangible fixed assets22/27 | €87,585 | €53,841 | €59,977 | €41,973 | €24,142 | ▼ 42.5% |
| Plant, machinery and equipment23 | €72,869 | €4,798 | €6,127 | €4,919 | €3,875 | ▼ 21.2% |
| Furniture and vehicles24 | €14,717 | €49,043 | €53,850 | €37,055 | €20,267 | ▼ 45.3% |
| Current assets29/58 | €243,799 | €622,145 | €374,188 | €646,983 | €454,549 | ▼ 29.7% |
| Stocks and contracts in progress3 | €25,176 | €194,174 | €198,424 | €194,131 | €118,750 | ▼ 38.8% |
| Stocks30/36 | €25,176 | €194,174 | €198,424 | €165,827 | €118,750 | ▼ 28.4% |
| Contracts in progress37 | - | - | - | €28,304 | - | - |
| Amounts receivable within one year40/41 | €64,846 | €77,014 | €109,180 | €125,870 | €46,132 | ▼ 63.3% |
| Trade receivables40 | €62,991 | €64,516 | €62,114 | €49,329 | €27,441 | ▼ 44.4% |
| Other amounts receivable41 | €1,855 | €12,498 | €47,066 | €76,541 | €18,691 | ▼ 75.6% |
| Cash at bank and in hand54/58 | €153,777 | €332,060 | €65,663 | €326,045 | €288,597 | ▼ 11.5% |
| Deferred charges and accrued income490/1 | - | €18,897 | €920 | €936 | €1,070 | ▲ 14.3% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €511,306 | €715,966 | €469,145 | €812,133 | €586,868 | ▼ 27.7% |
| Equity10/15 | €5,921 | €266,072 | €315,184 | €568,505 | €281,700 | ▼ 50.4% |
| Contributions10/11 | €5,000 | €5,000 | €5,000 | €5,000 | €5,000 | = |
| Reserves13 | - | €261,072 | €310,184 | €563,505 | €276,700 | ▼ 50.9% |
| Distributable reserves133 | - | €261,072 | €310,184 | €563,505 | €276,700 | ▼ 50.9% |
| Profit (loss) carried forward14 | €921 | - | - | - | - | - |
| Amounts payable17/49 | €505,385 | €449,894 | €153,961 | €243,628 | €305,168 | ▲ 25.3% |
| Amounts payable after more than one year17 | €37,500 | - | - | - | €168,166 | - |
| Financial debts170/4 | €37,500 | - | - | - | €168,166 | - |
| Amounts payable within one year42/48 | €467,885 | €449,894 | €153,961 | €243,628 | €137,002 | ▼ 43.8% |
| Current portion of amounts payable after more than one year42 | €12,500 | €37,500 | - | - | €47,468 | - |
| Financial debts43 | - | - | - | €99,546 | - | - |
| Credit institutions430/8 | - | - | - | €99,546 | - | - |
| Trade debts44 | €56,567 | €32,889 | €52,686 | €140,896 | €2,342 | ▼ 98.3% |
| Suppliers440/4 | €56,567 | €32,889 | €52,686 | €140,896 | €2,342 | ▼ 98.3% |
| Advances received on contracts in progress46 | - | €1,089 | - | €2,767 | €114 | ▼ 95.9% |
| Taxes, remuneration and social security45 | €601 | €85,306 | €2,133 | - | €18,863 | - |
| Taxes450/3 | €601 | €73,841 | - | - | €15,999 | - |
| Remuneration and social security454/9 | - | €11,465 | €2,133 | - | €2,864 | - |
| Other amounts payable47/48 | €398,217 | €293,111 | €99,143 | €419 | €68,216 | ▲ 16,181% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €921 | €260,151 | €49,111 | €253,321 | €273,196 | ▲ 7.8% |
| + Depreciation and write-downs630 | €34,050 | €14,307 | €20,635 | €29,807 | €32,831 | ▲ 10.1% |
| Operating cash flow (approximation) | €34,971 | €274,458 | €69,746 | €283,128 | €306,027 | ▲ 8.1% |
| Investment in fixed assets (approximation) | - | €159,379 | -€21,771 | -€100,000 | €0 | ▲ 100% |
| Change in cash | - | €178,284 | -€266,397 | €260,383 | -€37,448 | ▼ 114% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
18-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-09
Financial
Highest result since 2021net €273,196 ▲7.8%
Operating result €388,413, net result €273,196, both a record.
27-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Equity above €500,000Eq €568,505 ▲80.4%
4 profitable years in a row build equity to €568,505.
21-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Liquidity triplescurrent ratio 1.38
Current ratio from 0.52 to 1.38; short-term debt falls from €467,885 to €449,894.
30-09
Financial
Equity above €200,000Eq €266,072 ▲4,394%
2 profitable years in a row build equity to €266,072.
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Brugge · 1 establishment unit since 2020
Ground area
1,560 m²
Building footprint
265 m²
Volume, LiDAR
1,516 m³
Parcel 31027D0511/00R000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BONAMI
since 20202.298.757.270
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31027D0511/00R000 | Flanders | 1,560 m² | 1 · 265 m² | 8.4 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 6 entries · 39,067 EUR awarded · 39,067 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 0 EUR | 417 EUR |
| 2024 | 1 | 567 EUR | 150 EUR |
| 2023 | 1 | 12,000 EUR | 16,500 EUR |
| 2022 | 3 | 26,500 EUR | 22,000 EUR |
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Of 12,584 companies in sector 49410 we hold annual accounts for 8,197. 5,902 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded09-01-2020
Fiscal year end30-09
Activities, NACEBEL 2025
49410Freight transport by road
90120Visual arts creation
Contact
E-mail
Kevin.dumon@vgd.eu
E-mail
nico@bonami.be
Phone
050408800
Scores and ratios are computed by Checked and are not a credit decision.